Looking to boost your savings this year? Here are actionable tips designed for results in 2025:

1. Declutter Your Subscriptions

Audit monthly subscriptions. Cancel those you rarely use—whether it's streaming, magazines, or gym memberships—then direct those savings straight into your account.

2. Meal Plan and Shop Smart

Planning your meals for the week helps you stick to your grocery list and avoid expensive takeout. Buy groceries in bulk, and always check for discounts before shopping.

Smart Shopping Tips:

• Make a List: Stick to your grocery list to avoid impulse buys
• Buy in Bulk: Purchase non-perishables in larger quantities
• Use Coupons: Check for digital and paper coupons
• Shop Sales: Plan meals around what's on sale
• Store Brands: Often same quality, lower price

3. Challenge Yourself—No-Spend Days

Try "no-spend weeks" or "no online shopping days." Funnel the money you would have spent into your savings account automatically.

4. Round-Up Savings Tools

Many banking apps now offer round-up features—every time you buy something, the app rounds the purchase up to the nearest dollar and moves the difference to savings. Small amounts really add up over time.

5. Shop Around for Better Deals

At contract renewals—insurance, energy, internet—compare your options and don't hesitate to switch providers. A little time spent comparing can save you hundreds annually.

6. Boost Your Emergency Fund

If you don't have a buffer yet, make it your top priority. Aim for an emergency fund that covers 3–6 months of essential expenses. This protects you against sudden setbacks.

7. Teach the Next Generation

Whether you have kids or younger relatives, show them how you budget, save, and set financial goals. Instilling the savings habit is a lifelong gift.

8. Plan For Irregular Expenses

Holidays, birthdays, or annual insurance premiums shouldn't come as a shock. Set aside small amounts each month into dedicated savings "buckets" so you're always prepared.

9. Reward Yourself

Celebrate when you hit a target—like reaching your first £1,000 saved. Rewards reinforce positive habits and keep you motivated for the next goal.